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We opened Article 91-18. Paragraph 8 ends the contract only when you withdraw more than you paid in; the rate above the ceiling is 9 percent; and there is no “low-income type.”

The ₩2.5m allowance is one per year across all "shares etc." and does not carry over. And above ₩20 million of financial income, this article's "Korea-listed has the lower rate" comparison can invert.

₩30M over 3 years: a 3.20% deposit nets ₩2.52M, a 3.50% parking account ₩2.76M, and the same 3.20% deposit inside an ISA ₩2.88M.